Century 21 Centaland Property

Down Payment (HKD)

$3,720,000

Monthly Repayment (HKD)

$24,061

Loan Amount (HKD)

$5,580,000

Total Interest (HKD)

$1,638,203

Total Repayment (HKD)

$7,218,203

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$24,061	$9,998	$14,063	$5,565,937
1	2	$24,061	$9,972	$14,088	$5,551,848
1	3	$24,061	$9,947	$14,114	$5,537,735
1	4	$24,061	$9,922	$14,139	$5,523,596
1	5	$24,061	$9,896	$14,164	$5,509,432
1	6	$24,061	$9,871	$14,190	$5,495,242
1	7	$24,061	$9,846	$14,215	$5,481,027
1	8	$24,061	$9,820	$14,241	$5,466,787
1	9	$24,061	$9,795	$14,266	$5,452,521
1	10	$24,061	$9,769	$14,292	$5,438,229
1	11	$24,061	$9,743	$14,317	$5,423,912
1	12	$24,061	$9,718	$14,343	$5,409,569
2	13	$24,061	$9,692	$14,369	$5,395,200
2	14	$24,061	$9,666	$14,394	$5,380,806
2	15	$24,061	$9,641	$14,420	$5,366,386
2	16	$24,061	$9,615	$14,446	$5,351,940
2	17	$24,061	$9,589	$14,472	$5,337,468
2	18	$24,061	$9,563	$14,498	$5,322,971
2	19	$24,061	$9,537	$14,524	$5,308,447
2	20	$24,061	$9,511	$14,550	$5,293,897
2	21	$24,061	$9,485	$14,576	$5,279,322
2	22	$24,061	$9,459	$14,602	$5,264,720
2	23	$24,061	$9,433	$14,628	$5,250,092
2	24	$24,061	$9,406	$14,654	$5,235,437
3	25	$24,061	$9,380	$14,681	$5,220,757
3	26	$24,061	$9,354	$14,707	$5,206,050
3	27	$24,061	$9,328	$14,733	$5,191,317
3	28	$24,061	$9,301	$14,760	$5,176,557
3	29	$24,061	$9,275	$14,786	$5,161,771
3	30	$24,061	$9,248	$14,813	$5,146,959
3	31	$24,061	$9,222	$14,839	$5,132,120
3	32	$24,061	$9,195	$14,866	$5,117,254
3	33	$24,061	$9,168	$14,892	$5,102,362
3	34	$24,061	$9,142	$14,919	$5,087,443
3	35	$24,061	$9,115	$14,946	$5,072,497
3	36	$24,061	$9,088	$14,972	$5,057,525
4	37	$24,061	$9,061	$14,999	$5,042,525
4	38	$24,061	$9,035	$15,026	$5,027,499
4	39	$24,061	$9,008	$15,053	$5,012,446
4	40	$24,061	$8,981	$15,080	$4,997,366
4	41	$24,061	$8,954	$15,107	$4,982,259
4	42	$24,061	$8,927	$15,134	$4,967,125
4	43	$24,061	$8,899	$15,161	$4,951,964
4	44	$24,061	$8,872	$15,188	$4,936,775
4	45	$24,061	$8,845	$15,216	$4,921,560
4	46	$24,061	$8,818	$15,243	$4,906,317
4	47	$24,061	$8,790	$15,270	$4,891,047
4	48	$24,061	$8,763	$15,298	$4,875,749
5	49	$24,061	$8,736	$15,325	$4,860,424
5	50	$24,061	$8,708	$15,352	$4,845,072
5	51	$24,061	$8,681	$15,380	$4,829,692
5	52	$24,061	$8,653	$15,407	$4,814,284
5	53	$24,061	$8,626	$15,435	$4,798,849
5	54	$24,061	$8,598	$15,463	$4,783,386
5	55	$24,061	$8,570	$15,490	$4,767,896
5	56	$24,061	$8,542	$15,518	$4,752,378
5	57	$24,061	$8,515	$15,546	$4,736,832
5	58	$24,061	$8,487	$15,574	$4,721,258
5	59	$24,061	$8,459	$15,602	$4,705,656
5	60	$24,061	$8,431	$15,630	$4,690,027
6	61	$24,061	$8,403	$15,658	$4,674,369
6	62	$24,061	$8,375	$15,686	$4,658,683
6	63	$24,061	$8,347	$15,714	$4,642,969
6	64	$24,061	$8,319	$15,742	$4,627,227
6	65	$24,061	$8,290	$15,770	$4,611,457
6	66	$24,061	$8,262	$15,798	$4,595,658
6	67	$24,061	$8,234	$15,827	$4,579,832
6	68	$24,061	$8,206	$15,855	$4,563,977
6	69	$24,061	$8,177	$15,884	$4,548,093
6	70	$24,061	$8,149	$15,912	$4,532,181
6	71	$24,061	$8,120	$15,941	$4,516,240
6	72	$24,061	$8,092	$15,969	$4,500,271
7	73	$24,061	$8,063	$15,998	$4,484,274
7	74	$24,061	$8,034	$16,026	$4,468,247
7	75	$24,061	$8,006	$16,055	$4,452,192
7	76	$24,061	$7,977	$16,084	$4,436,108
7	77	$24,061	$7,948	$16,113	$4,419,996
7	78	$24,061	$7,919	$16,142	$4,403,854
7	79	$24,061	$7,890	$16,170	$4,387,684
7	80	$24,061	$7,861	$16,199	$4,371,484
7	81	$24,061	$7,832	$16,228	$4,355,256
7	82	$24,061	$7,803	$16,258	$4,338,998
7	83	$24,061	$7,774	$16,287	$4,322,712
7	84	$24,061	$7,745	$16,316	$4,306,396
8	85	$24,061	$7,716	$16,345	$4,290,051
8	86	$24,061	$7,686	$16,374	$4,273,677
8	87	$24,061	$7,657	$16,404	$4,257,273
8	88	$24,061	$7,628	$16,433	$4,240,840
8	89	$24,061	$7,598	$16,463	$4,224,377
8	90	$24,061	$7,569	$16,492	$4,207,885
8	91	$24,061	$7,539	$16,522	$4,191,364
8	92	$24,061	$7,510	$16,551	$4,174,813
8	93	$24,061	$7,480	$16,581	$4,158,232
8	94	$24,061	$7,450	$16,611	$4,141,621
8	95	$24,061	$7,420	$16,640	$4,124,981
8	96	$24,061	$7,391	$16,670	$4,108,311
9	97	$24,061	$7,361	$16,700	$4,091,611
9	98	$24,061	$7,331	$16,730	$4,074,881
9	99	$24,061	$7,301	$16,760	$4,058,121
9	100	$24,061	$7,271	$16,790	$4,041,332
9	101	$24,061	$7,241	$16,820	$4,024,512
9	102	$24,061	$7,211	$16,850	$4,007,661
9	103	$24,061	$7,180	$16,880	$3,990,781
9	104	$24,061	$7,150	$16,911	$3,973,871
9	105	$24,061	$7,120	$16,941	$3,956,930
9	106	$24,061	$7,089	$16,971	$3,939,959
9	107	$24,061	$7,059	$17,002	$3,922,957
9	108	$24,061	$7,029	$17,032	$3,905,925
10	109	$24,061	$6,998	$17,063	$3,888,862
10	110	$24,061	$6,968	$17,093	$3,871,769
10	111	$24,061	$6,937	$17,124	$3,854,646
10	112	$24,061	$6,906	$17,154	$3,837,491
10	113	$24,061	$6,876	$17,185	$3,820,306
10	114	$24,061	$6,845	$17,216	$3,803,090
10	115	$24,061	$6,814	$17,247	$3,785,843
10	116	$24,061	$6,783	$17,278	$3,768,565
10	117	$24,061	$6,752	$17,309	$3,751,257
10	118	$24,061	$6,721	$17,340	$3,733,917
10	119	$24,061	$6,690	$17,371	$3,716,546
10	120	$24,061	$6,659	$17,402	$3,699,145
11	121	$24,061	$6,628	$17,433	$3,681,712
11	122	$24,061	$6,596	$17,464	$3,664,247
11	123	$24,061	$6,565	$17,496	$3,646,752
11	124	$24,061	$6,534	$17,527	$3,629,225
11	125	$24,061	$6,502	$17,558	$3,611,666
11	126	$24,061	$6,471	$17,590	$3,594,077
11	127	$24,061	$6,439	$17,621	$3,576,455
11	128	$24,061	$6,408	$17,653	$3,558,803
11	129	$24,061	$6,376	$17,684	$3,541,118
11	130	$24,061	$6,345	$17,716	$3,523,402
11	131	$24,061	$6,313	$17,748	$3,505,654
11	132	$24,061	$6,281	$17,780	$3,487,874
12	133	$24,061	$6,249	$17,812	$3,470,063
12	134	$24,061	$6,217	$17,843	$3,452,219
12	135	$24,061	$6,185	$17,875	$3,434,344
12	136	$24,061	$6,153	$17,907	$3,416,436
12	137	$24,061	$6,121	$17,940	$3,398,497
12	138	$24,061	$6,089	$17,972	$3,380,525
12	139	$24,061	$6,057	$18,004	$3,362,521
12	140	$24,061	$6,025	$18,036	$3,344,485
12	141	$24,061	$5,992	$18,068	$3,326,416
12	142	$24,061	$5,960	$18,101	$3,308,316
12	143	$24,061	$5,927	$18,133	$3,290,182
12	144	$24,061	$5,895	$18,166	$3,272,017
13	145	$24,061	$5,862	$18,198	$3,253,818
13	146	$24,061	$5,830	$18,231	$3,235,587
13	147	$24,061	$5,797	$18,264	$3,217,324
13	148	$24,061	$5,764	$18,296	$3,199,027
13	149	$24,061	$5,732	$18,329	$3,180,698
13	150	$24,061	$5,699	$18,362	$3,162,336
13	151	$24,061	$5,666	$18,395	$3,143,942
13	152	$24,061	$5,633	$18,428	$3,125,514
13	153	$24,061	$5,600	$18,461	$3,107,053
13	154	$24,061	$5,567	$18,494	$3,088,559
13	155	$24,061	$5,534	$18,527	$3,070,032
13	156	$24,061	$5,500	$18,560	$3,051,472
14	157	$24,061	$5,467	$18,593	$3,032,879
14	158	$24,061	$5,434	$18,627	$3,014,252
14	159	$24,061	$5,401	$18,660	$2,995,592
14	160	$24,061	$5,367	$18,694	$2,976,898
14	161	$24,061	$5,334	$18,727	$2,958,171
14	162	$24,061	$5,300	$18,761	$2,939,410
14	163	$24,061	$5,266	$18,794	$2,920,616
14	164	$24,061	$5,233	$18,828	$2,901,788
14	165	$24,061	$5,199	$18,862	$2,882,927
14	166	$24,061	$5,165	$18,895	$2,864,031
14	167	$24,061	$5,131	$18,929	$2,845,102
14	168	$24,061	$5,097	$18,963	$2,826,139
15	169	$24,061	$5,063	$18,997	$2,807,141
15	170	$24,061	$5,029	$19,031	$2,788,110
15	171	$24,061	$4,995	$19,065	$2,769,045
15	172	$24,061	$4,961	$19,099	$2,749,945
15	173	$24,061	$4,927	$19,134	$2,730,812
15	174	$24,061	$4,893	$19,168	$2,711,644
15	175	$24,061	$4,858	$19,202	$2,692,441
15	176	$24,061	$4,824	$19,237	$2,673,205
15	177	$24,061	$4,789	$19,271	$2,653,934
15	178	$24,061	$4,755	$19,306	$2,634,628
15	179	$24,061	$4,720	$19,340	$2,615,288
15	180	$24,061	$4,686	$19,375	$2,595,913
16	181	$24,061	$4,651	$19,410	$2,576,503
16	182	$24,061	$4,616	$19,444	$2,557,059
16	183	$24,061	$4,581	$19,479	$2,537,579
16	184	$24,061	$4,546	$19,514	$2,518,065
16	185	$24,061	$4,512	$19,549	$2,498,516
16	186	$24,061	$4,477	$19,584	$2,478,932
16	187	$24,061	$4,441	$19,619	$2,459,312
16	188	$24,061	$4,406	$19,654	$2,439,658
16	189	$24,061	$4,371	$19,690	$2,419,968
16	190	$24,061	$4,336	$19,725	$2,400,244
16	191	$24,061	$4,300	$19,760	$2,380,483
16	192	$24,061	$4,265	$19,796	$2,360,688
17	193	$24,061	$4,230	$19,831	$2,340,857
17	194	$24,061	$4,194	$19,867	$2,320,990
17	195	$24,061	$4,158	$19,902	$2,301,088
17	196	$24,061	$4,123	$19,938	$2,281,150
17	197	$24,061	$4,087	$19,974	$2,261,176
17	198	$24,061	$4,051	$20,009	$2,241,167
17	199	$24,061	$4,015	$20,045	$2,221,122
17	200	$24,061	$3,980	$20,081	$2,201,040
17	201	$24,061	$3,944	$20,117	$2,180,923
17	202	$24,061	$3,907	$20,153	$2,160,770
17	203	$24,061	$3,871	$20,189	$2,140,581
17	204	$24,061	$3,835	$20,225	$2,120,355
18	205	$24,061	$3,799	$20,262	$2,100,094
18	206	$24,061	$3,763	$20,298	$2,079,796
18	207	$24,061	$3,726	$20,334	$2,059,461
18	208	$24,061	$3,690	$20,371	$2,039,090
18	209	$24,061	$3,653	$20,407	$2,018,683
18	210	$24,061	$3,617	$20,444	$1,998,239
18	211	$24,061	$3,580	$20,480	$1,977,759
18	212	$24,061	$3,543	$20,517	$1,957,242
18	213	$24,061	$3,507	$20,554	$1,936,688
18	214	$24,061	$3,470	$20,591	$1,916,097
18	215	$24,061	$3,433	$20,628	$1,895,469
18	216	$24,061	$3,396	$20,665	$1,874,804
19	217	$24,061	$3,359	$20,702	$1,854,103
19	218	$24,061	$3,322	$20,739	$1,833,364
19	219	$24,061	$3,285	$20,776	$1,812,588
19	220	$24,061	$3,248	$20,813	$1,791,775
19	221	$24,061	$3,210	$20,850	$1,770,925
19	222	$24,061	$3,173	$20,888	$1,750,037
19	223	$24,061	$3,135	$20,925	$1,729,112
19	224	$24,061	$3,098	$20,963	$1,708,149
19	225	$24,061	$3,060	$21,000	$1,687,149
19	226	$24,061	$3,023	$21,038	$1,666,111
19	227	$24,061	$2,985	$21,076	$1,645,035
19	228	$24,061	$2,947	$21,113	$1,623,922
20	229	$24,061	$2,910	$21,151	$1,602,771
20	230	$24,061	$2,872	$21,189	$1,581,582
20	231	$24,061	$2,834	$21,227	$1,560,355
20	232	$24,061	$2,796	$21,265	$1,539,090
20	233	$24,061	$2,758	$21,303	$1,517,787
20	234	$24,061	$2,719	$21,341	$1,496,445
20	235	$24,061	$2,681	$21,380	$1,475,066
20	236	$24,061	$2,643	$21,418	$1,453,648
20	237	$24,061	$2,604	$21,456	$1,432,192
20	238	$24,061	$2,566	$21,495	$1,410,697
20	239	$24,061	$2,527	$21,533	$1,389,164
20	240	$24,061	$2,489	$21,572	$1,367,592
21	241	$24,061	$2,450	$21,610	$1,345,982
21	242	$24,061	$2,412	$21,649	$1,324,333
21	243	$24,061	$2,373	$21,688	$1,302,645
21	244	$24,061	$2,334	$21,727	$1,280,918
21	245	$24,061	$2,295	$21,766	$1,259,152
21	246	$24,061	$2,256	$21,805	$1,237,348
21	247	$24,061	$2,217	$21,844	$1,215,504
21	248	$24,061	$2,178	$21,883	$1,193,621
21	249	$24,061	$2,139	$21,922	$1,171,699
21	250	$24,061	$2,099	$21,961	$1,149,737
21	251	$24,061	$2,060	$22,001	$1,127,737
21	252	$24,061	$2,021	$22,040	$1,105,696
22	253	$24,061	$1,981	$22,080	$1,083,617
22	254	$24,061	$1,941	$22,119	$1,061,498
22	255	$24,061	$1,902	$22,159	$1,039,339
22	256	$24,061	$1,862	$22,199	$1,017,140
22	257	$24,061	$1,822	$22,238	$994,902
22	258	$24,061	$1,783	$22,278	$972,624
22	259	$24,061	$1,743	$22,318	$950,306
22	260	$24,061	$1,703	$22,358	$927,948
22	261	$24,061	$1,663	$22,398	$905,550
22	262	$24,061	$1,622	$22,438	$883,111
22	263	$24,061	$1,582	$22,478	$860,633
22	264	$24,061	$1,542	$22,519	$838,114
23	265	$24,061	$1,502	$22,559	$815,555
23	266	$24,061	$1,461	$22,599	$792,956
23	267	$24,061	$1,421	$22,640	$770,316
23	268	$24,061	$1,380	$22,681	$747,635
23	269	$24,061	$1,340	$22,721	$724,914
23	270	$24,061	$1,299	$22,762	$702,152
23	271	$24,061	$1,258	$22,803	$679,350
23	272	$24,061	$1,217	$22,844	$656,506
23	273	$24,061	$1,176	$22,884	$633,622
23	274	$24,061	$1,135	$22,925	$610,696
23	275	$24,061	$1,094	$22,967	$587,730
23	276	$24,061	$1,053	$23,008	$564,722
24	277	$24,061	$1,012	$23,049	$541,673
24	278	$24,061	$970	$23,090	$518,583
24	279	$24,061	$929	$23,132	$495,451
24	280	$24,061	$888	$23,173	$472,278
24	281	$24,061	$846	$23,215	$449,064
24	282	$24,061	$805	$23,256	$425,808
24	283	$24,061	$763	$23,298	$402,510
24	284	$24,061	$721	$23,340	$379,171
24	285	$24,061	$679	$23,381	$355,789
24	286	$24,061	$637	$23,423	$332,366
24	287	$24,061	$595	$23,465	$308,901
24	288	$24,061	$553	$23,507	$285,394
25	289	$24,061	$511	$23,549	$261,844
25	290	$24,061	$469	$23,592	$238,253
25	291	$24,061	$427	$23,634	$214,619
25	292	$24,061	$385	$23,676	$190,943
25	293	$24,061	$342	$23,719	$167,224
25	294	$24,061	$300	$23,761	$143,463
25	295	$24,061	$257	$23,804	$119,659
25	296	$24,061	$214	$23,846	$95,813
25	297	$24,061	$172	$23,889	$71,924
25	298	$24,061	$129	$23,932	$47,992
25	299	$24,061	$86	$23,975	$24,018
25	300	$24,061	$43	$24,018	$0

Property Price	HKD


Loan Ratio	%
Interest Ratio	%
Loan Period	Year(s)

	(Scale 2) Ad Valorem Stamp Duty (For First –time and Change* of Residential Property Buyer)
	(New) Ad Valorem Stamp Duty Applicable to all residential property (except that acquired by a Hong Kong Permanent Resident who does not own any other residential property in Hong Kong at the time of acquisition) either by an individual or a company.
	(Scale 1) Ad Valorem Stamp Duty Applicable to all non-residential property, either by an individual or a company.
	BSD Buyer Stamp Duty Applicable to all residential property acquired by any person (including a company incorporated) except a Hong Kong Permanent Resident

Down Payment	HK$ 3,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 3,813,000

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	SSD Special Stamp Duty if SSD is paid by vendor, please ignore this option
Remarks: *Change of Residential Property Case: A Hong Kong Permanent Resident may seek a refund of the stamp duty paid in excess of that computed under the old rates upon proof that his only other residential property has been disposed of within six months from the date of agreement to acquire a new residential property. Reminder: The calculation is for reference only and subject to the latest announcement of Inland Revenue Department. For details, please contact our Mortgage Consultant.